Search found 357 matches

by 7eight9
Sat Nov 02, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8151

Re: Wallets [Do you carry a wallet?]

EddyB wrote:
Sat Nov 02, 2019 5:56 pm
SuperGrafx wrote:
Thu Oct 31, 2019 11:59 am
Yep.
No reason not to carry a wallet.
I assume you wear a wristwatch and a hat, too.
If you don't want to carry an electronic leash phone how else would you know what time it is?
by 7eight9
Thu Oct 31, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: 50 Year US Treasury Bond - who is taker?
Replies: 29
Views: 2656

Re: 50 Year US Treasury Bond - who is taker?

I see that my Vanguard Total Bond Market fund is holding some MetLife bonds maturing in 8/1/2069, which is almost 50 years away. But they are paying a coupon rate of 10.750%. Is MetLife in some desperate fiscal situation? How soon are these callable? The bonds were issued in 2009. https://www.cbxma...
by 7eight9
Sun Oct 27, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4824

Re: First Republic Bank doesn’t have physical coins

I was in Canada a couple of weeks ago. They no longer accept (or handle) Canadian pennies, everything is rounded to the nearest nickel. I asked them what I should do with my Canadian pennies that I brought with me (I live in Michigan and used to drive to London and Toronto for business) - they said...
by 7eight9
Sat Oct 26, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4824

Re: First Republic Bank doesn’t have physical coins

snackdog wrote:
Sat Oct 26, 2019 7:24 pm
I don’t do many cash transactions anymore but when I do I refuse any change in coins or just throw it in the tip jar. What’s the point?
Those who laugh at one yen will someday cry over one yen.
- Japanese proverb
by 7eight9
Sat Oct 19, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10162

Re: For those who are FI: At what point did you begin to relax?

What is DI2K? Is this a common acronym that I should know? I googled it and got nothing. Why do so many people use random acronyms, do they not realize that some people do not know what they are supposed to mean? Am I expected to do research to figure out what you are trying to say? Is it so hard t...
by 7eight9
Sat Oct 19, 2019 8:14 pm
Forum: Personal Investments
Topic: New Savings and Checking Options
Replies: 22
Views: 1910

Re: New Savings and Checking Options

bjames310 wrote:
Sat Oct 19, 2019 8:08 pm
I can’t find the capital one bonus anywhere. Anyone have a link?
From Doctor of Credit (good resource for finding bank bonuses) --- https://www.doctorofcredit.com/capital- ... 00-150000/
by 7eight9
Sat Oct 19, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6048

Re: Can you claim financial independence with kids still in school

You raise your children the best you can and trust that you have provided them with a good start on life. Graduate high school and you are typically old enough to vote, join the military, etc. What you can do when you are 18 --- https://thelawdictionary.org/article/what-you-can-legally-do-when-youre...
by 7eight9
Sat Oct 19, 2019 7:36 pm
Forum: Personal Investments
Topic: New Savings and Checking Options
Replies: 22
Views: 1910

Re: New Savings and Checking Options

delrinson wrote:
Sat Oct 19, 2019 7:14 pm
Redneck Bank still at 2.4%… Always seems to have the best consistent rate… Only for the first $50,000 though.
Unfortunately that rate will only be for a couple more days. Dropping to 2.25% on 10.22.19. https://redneck.bank/accounts/mega-money-market

Still a very competative rate.
by 7eight9
Sat Oct 19, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8151

Re: Wallets

Just out of curiousity I weighed what I'm currently carrying. 43 grams (less than two ounces) - 92mm x 68mm: Drivers license AMEX Citi MC Chase Visa BoA Visa Exxon/Mobil rewards $20x4 $10x1 $5x5 $1x4 +rubber band Interesting. Many years ago we went down to one credit card. All spending goes on that...
by 7eight9
Sat Oct 19, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8151

Re: Wallets

Just out of curiousity I weighed what I'm currently carrying. 43 grams (less than two ounces) - 92mm x 68mm:

Drivers license
AMEX
Citi MC
Chase Visa
BoA Visa
Exxon/Mobil rewards
$20x4
$10x1
$5x5
$1x4
+rubber band
by 7eight9
Sat Oct 19, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8151

Re: Wallets

I don't think I've carried a wallet per se for the past thirty years. Just a drivers license and some credit cards stuck in the middle of a some bills folded in half secured with a rubber band (preferably the nice thick ones the grocery stores use for asparagus). I prefer not to carry a cell phone s...
by 7eight9
Sat Oct 19, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10162

Re: For those who are FI: At what point did you begin to relax?

What is DI2K? Is this a common acronym that I should know? I googled it and got nothing. Why do so many people use random acronyms, do they not realize that some people do not know what they are supposed to mean? Am I expected to do research to figure out what you are trying to say? Is it so hard t...
by 7eight9
Mon Oct 14, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1245533

Re: What Movie Have You Recently Watched?

Molly's Game - Molly's Game is a 2017 American biographical crime drama film written and directed by Aaron Sorkin (in his directorial debut), based on the memoir of the same name by Molly Bloom. It stars Jessica Chastain, Idris Elba, Kevin Costner, Michael Cera, Jeremy Strong, Chris O'Dowd, and Bil...
by 7eight9
Mon Oct 14, 2019 9:38 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4317

Re: Fine Art Investments

I was acquainted with an art historian who was able to make some real money buying art. If you can identify unappreciated or mis-identified works you may be able to do well. Transactions costs do seem to be very high. If you have a good eye (and good luck) you might pick up a piece for $90 that dec...
by 7eight9
Mon Oct 14, 2019 9:34 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4317

Re: Fine Art Investments

I think you will need to know how to play the sensationalism and promotion game too. How do you value art? It's just what some guys in a cabal agree that the price is. For instance, my office building has some awful Leonard Koontz stuff that is worth $20 million or something . How did Mr. Koontz an...
by 7eight9
Sat Oct 12, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 4788

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

Facebook’s Libra currency battered by defections, pushback Visa, MasterCard, eBay, PayPal and Stripe have all dropped out of the Facebook’s Libra currency project Facebook faces a rough road ahead with Libra, but defections by high-profile partners are still unlikely to spell the end for the digita...
by 7eight9
Sat Oct 12, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Honda, Kia, and Toyota equivelant of Grand Subaru for online quotes
Replies: 6
Views: 834

Re: Honda, Kia, and Toyota equivelant of Grand Subaru for online quotes

Longo Toyota --- https://www.longotoyota.com/

They are the largest volume Toyota dealership in the United States. Their internet price was the lowest the last time I bought a car. I was able to get a local dealership to match it but would have gone to LA and bought it from them otherwise.
by 7eight9
Fri Oct 11, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5213

Re: Anyone buying PG&E stock?

If you know they're going through bankruptcy are you not familiar with another company that went through bankruptcy (but survived), yet the old shareholders were wiped out (and the "new" company issued new stock): GM (2009) https://www.usatoday.com/story/money/columnist/krantz/2013/04/30/gm-general...
by 7eight9
Thu Oct 10, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 151
Views: 31433

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by 7eight9
Thu Oct 10, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 151
Views: 31433

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by 7eight9
Thu Oct 10, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 151
Views: 31433

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by 7eight9
Thu Oct 10, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 151
Views: 31433

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6K...
by 7eight9
Wed Oct 09, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Taxes - Goodwill donations, older children's clothing
Replies: 28
Views: 2651

Re: Taxes - Goodwill donations, older children's clothing

Stuff that's sold at thrift stores is priced at practically nothing, like $1 or $2 for a shirt. I would use that as a guideline when claiming a deduction. if you follow Goodwill's valuation guidelines at least you won't be that person whose used skivvies are washed in public (at $2/pair circa 1986 ...
by 7eight9
Sun Oct 06, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tactics to pay off Mortgage Early??
Replies: 60
Views: 6297

Re: Tactics to pay off Mortgage Early??

We've had two mortgages. First was taken out in 06/03 - paid off in 12/09. That property was a rental so we weren't as concerned with getting it paid off right away. Cash flow was positive so as long as it was rented it was paying for itself. There was only a one month lapse the entire time we owned...
by 7eight9
Sat Oct 05, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5063

Re: Home repair - paying cash (dollar bills)

I can certainly understand why a contractor would prefer cash to alternative forms of payment. Credit cards can be charged back. Checks can bounce. The latter is such a problem that our District Attorney's office has a Bad Check Unit. Link to DA's Bad Check Unit --- http://www.clarkcountynv.gov/dist...
by 7eight9
Sat Oct 05, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4584

Re: Dropping Interest Rates on High-Yield Savings

Redneck Bank is still offering 2.40% on their Mega Money Market Account on the first $50,000. The rate is scheduled to drop to 2.25% on October 22.

Link --- https://redneck.bank/accounts/mega-money-market
by 7eight9
Fri Oct 04, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

I travel a lot for work. Travel Pro makes great luggage. Pilots and Stewardesses use them a lot. Years ago their union had in their contract that they got a free bag every year (airline had to buy it for them). Just be careful on the size. Do your homework. The airlines are getting feisty lately. N...
by 7eight9
Wed Sep 25, 2019 12:01 am
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 101
Views: 15332

Re: retiring abroad with savings worth 200k...

... Why are we necro-ing this thread? I've never heard that term before. That said, after Googling it, I understand it means reviving an old thread. There are threads that have been alive since 2008 (last updated in August of 2019) --- https://www.bogleheads.org/forum/viewtopic.php?f=11&t=27707&sta...
by 7eight9
Tue Sep 24, 2019 11:28 pm
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 101
Views: 15332

Re: retiring abroad with savings worth 200k...

You can certainly life inexpensively in Thailand. A very cursory search turned up this rental in Khao Lak -- $591 for the month of November 2019 - breakfast included. It certainly could be an inexpensive lifestyle. https://www.booking.com/hotel/th/sawasdee-home-stay.html?aid=356980;label=gog235jc-1...
by 7eight9
Tue Sep 24, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3691

Re: Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. The price differential is irrelevant. I'm interested in using the technology but a bit apprehensive. Thanks. is uber black available when you open the app? choose that! professional licensed driver. https://www.uber.com/us/en/r...
by 7eight9
Tue Sep 24, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 4423

Re: Is it out-of-style for business women to wear pantyhose?

As a guy I don't have a dog in this fight. That said, the link below has some interesting commentary on the question of Cocktail attire--pantyhose, tights, or bare legs? https://www.dcurbanmom.com/jforum/posts/list/759774.page My last office was "business casual" which got interpreted to mean yoga p...
by 7eight9
Tue Sep 24, 2019 8:20 pm
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 101
Views: 15332

Re: retiring abroad with savings worth 200k...

You can certainly life inexpensively in Thailand. A very cursory search turned up this rental in Khao Lak -- $591 for the month of November 2019 - breakfast included. It certainly could be an inexpensive lifestyle. https://www.booking.com/hotel/th/sawasdee-home-stay.html?aid=356980;label=gog235jc-1D...
by 7eight9
Tue Sep 24, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3662

Re: How to find the best credit card promotion?

My wife and I get at least four new cards each year (two each). We aren't very aggressive in this arena. There are lots of opportunities. You should definitely explore them. How does this work? Is there any harm to your credit when you open so many new cards? Do you close your old cards and if so d...
by 7eight9
Tue Sep 24, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3691

Re: Uber - first time user - will I get picked up

Thanks everybody. I think I'll just call the taxi company. Failure to get picked up in a timely manner would be pretty bad. The taxi is going to be ~$25 plus $5 tip. It isn't the money but kind of wouldn't mind trying to be a bit more technologically proficient. Maybe another time.
by 7eight9
Tue Sep 24, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3662

Re: How to find the best credit card promotion?

The previous two recommendations are right on the money. Doctor of Credit is your friend --- https://www.doctorofcredit.com/ Depending on much you are going to spend you might want to get more than one new card. My wife and I get at least four new cards each year (two each). We aren't very aggressiv...
by 7eight9
Tue Sep 24, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9494

Re: Physical activity suggestions for a non athletic youth

Thanks for the replies. Lots to think about. As stated above this has been a two year journey and despite making a number of changes including dietary and increasing activity he is still heavy. I thought taking away sugary juices and processed food and encouraging him to move around would be enough...
by 7eight9
Tue Sep 24, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2452

Re: Thought provoking non-fiction for 3rd grader

Thinking back to what I enjoyed as a child the only books I can remember (fondly or otherwise) were The Great Brain series. Wiki --- https://en.wikipedia.org/wiki/The_Great_Brain The Great Brain is a series of children's books by American author John Dennis Fitzgerald (1906–1988). Set in the small t...
by 7eight9
Tue Sep 24, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: DFW to Tasmania - 15 hour time change
Replies: 51
Views: 3088

Re: DFW to Tasmania - 15 hour time change

I've never been to Australia. Been to a variety of destinations in Asia in roughly your same time zone. Some 24 hour flights (when taking into account the layover). Seems to run counter to some of the recommendations thus far but I'm a big fan of drinking on the planes (you may sleep some or you may...
by 7eight9
Tue Sep 24, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3691

Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. I would normally call the taxi company this evening and request a car pick me up at 6am. Which has never been a problem. They are always on time and I typically get the same driver who is very pleasant. I'm half tempted to try U...
by 7eight9
Tue Sep 24, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2452

Re: Thought provoking non-fiction for 3rd grader

No ideas about books for children. That said, why not take your child to volunteer at a soup kitchen? I think that would accomplish the goal of provoking empathy for others and appreciation for what they have.

Otherwise, something by Horatio Alger?
by 7eight9
Tue Sep 24, 2019 12:51 pm
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 101
Views: 15332

Re: retiring abroad with savings worth 200k...

Never been there but just read a novel which had some chapters that took place in Kathmandu (John Burdett's The Godfather of Kathmandu ). From the link below (interesting website which seems to have crowd sourced information about cost of living) it looks like the cost of living there ranks 331st ou...
by 7eight9
Mon Sep 23, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9494

Re: Physical activity suggestions for a non athletic youth

When I was a kid I was overweight. Always last to be picked in gym. Always the goalie - didn't have to run and took up more of the goal. Never participated in any sports outside of mandatory gym class. Started hanging around my neighbor's stable in the eighth grade. Really enjoyed working with horse...
by 7eight9
Sun Sep 22, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes for selling gold coins
Replies: 54
Views: 3169

Re: Paying taxes for selling gold coins

Is there a reason why your parents wouldn't sell the coins overseas and give you the cash?

Then you could bring the cash back to the United States (declaring if over $10K) and deposit it.
by 7eight9
Sat Sep 21, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6419

Re: New Camry Questions

The PE in me tells me this makes perfect sense ONCE YOU KNOW THE BATTERY LIFE (failure rate). This is our first push-button start vehicle. Fob batteries for our other vehicles with conventional keys and remote lock/ unlock routinely lasted 6-8 years, and the car could still be started with a dead f...
by 7eight9
Sat Sep 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6419

Re: New Camry Questions

It's a big mistake to not have push button to start in 2019. Rear camera is standard equipment in 2019. 5 yrs later, you might exclude half of your buyers by not getting one. I personally will NOT buy a car without one. Wasting 3-5 seconds to open door and start a car, no thanks. I think rear camer...
by 7eight9
Sat Sep 21, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Donation help - Good will how to properly account tax deduction
Replies: 9
Views: 608

Re: Donation help - Good will how to properly account tax deduction

I have no experience with them but a quick Google search turned up a couple of companies that apparently buy old ipads. There probably are others. BuyBackWorld --- https://www.buybackworld.com/sell/ipad?gclid=EAIaIQobChMI2unCyoji5AIVmMVkCh2gZwccEAAYASAAEgJgBfD_BwE Gazelle --- https://www.gazelle.com...
by 7eight9
Fri Sep 20, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Need help with car trading dilemma.....
Replies: 16
Views: 1516

Re: Need help with car trading dilemma.....

I have some questions about option 3. Does it mean that your wife isn't getting the Pilot/Highlander or did you just assume that was happening? I'm also curious about the comment that the daughters like this option- why? Why wouldn't they want her to get the larger vehicle to be able to haul their ...
by 7eight9
Fri Sep 20, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 4901

Re: Dental Insurance for Retirees

The New York Times had an article titled More Fun Than Root Canals? It’s the Dental Vacation --- https://www.nytimes.com/2008/02/07/fashion/07SKIN.html That might be a good option depending on what dental procedures you require. Otherwise for simple things like fillings I would recommend paying out ...
by 7eight9
Thu Sep 19, 2019 9:25 pm
Forum: US Chapters
Topic: Local Chapter - Fees?
Replies: 12
Views: 1280

Re: Local Chapter - Fees?

I would try to find out where your local AA meetings are held and see if any of those venues could accommodate your chapter.
by 7eight9
Thu Sep 19, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2759

Re: What are the rules around signing up for a business credit card?

ARoseByAnyOtherName wrote:
Thu Sep 19, 2019 7:25 pm
What are the benefits of signing up for a business credit card? Why would a consumer even consider it?
Bonuses. For example --- https://www.doctorofcredit.com/best-cur ... n-bonuses/